In a city where people commute by bike and drive in dense traffic pockets, disputes tend to start around the same questions:
- Who had the right of way at the moment of impact? (Especially near intersections and turning lanes.)
- Whether the road was reasonably safe given conditions like construction activity, resurfacing, or debris.
- How quickly symptoms appeared after the crash—some injuries don’t fully show up until days later.
- What you said to an insurer early on. Recorded statements and quick “just answer these questions” calls are common.
Even when you’re certain what happened, insurers may try to reduce payouts by arguing that you were partially responsible, that the injury is unrelated, or that your treatment was unnecessary.


